There are plenty of reasons you might end up working while collecting Social Security.
First of all, you might file for benefits before you’re retired
In fact, you should file for benefits before you’re retired if you end up working until age 70 or beyond. You may also decide to go back to work if you’re struggling to pay your retirement expenses and need extra money. Or you may get a job to alleviate boredom.
Once you reach full retirement age, working while on Social Security won’t have any sort of negative impact on your monthly benefits. But before full retirement age, you’ll be subject to an earnings test. And it’s important to understand what happens if you earn too much.